What is a better trade-off, investing or paying down debt?
Everyone is taught (or should be taught) to save at a young age. Time is the friend of the investor and as time passes so does the ability to grow ones capital to the amount that is necessary to pay ones future requirements. Whether one is saving for retirement, for college, or for a rainy day, it is the consistent amount put into investments and the return on investment, month after month, year after year that allow people to reach their financial goals. The rule of thumb for investors is that they should reduce market risk as they age or as the financial liability that is being funded comes due. The reason for this is simple. Investors can risk losing money at the beginning of their investments because time will allow them to recoup losses. If financial losses are incurred, on or near the time that the capital is need for consumption, than the individual no longer has lost the time and ability to recoup those losses. In the past most financial planners have suggested that people in t
